When you buy a home, you’re not just purchasing the property — you’re securing the legal right to own it. Title insurance helps protect that ownership from unexpected legal or financial issues after closing. With Howard R., by your side, you can move forward knowing your investment is protected from day one.
Title insurance is a one-time insurance policy that protects your ownership of a property from past issues tied to the title. Even with a thorough title search, certain problems can remain hidden and surface later. Unlike home insurance, which protects against future damage, title insurance protects against pre-existing title defects — for as long as you own the property.
Title insurance can protect:
Coverage applies to resale homes, new builds, condos, and vacation properties.
If you’re buying with a mortgage, lenders require title insurance to protect the loan amount. This lender’s policy remains active until the mortgage is fully paid off. Owner’s title insurance is optional but strongly recommended. It protects you — not the lender — and is paid once at closing, with no ongoing premiums.
If you’re unsure about title insurance or how it fits into your purchase, I’d be happy to walk you through your options and explain what’s right for your situation.
Leo Falkovsky
Real Estate Agent & Mortgage Broker · 25 Years · Barrie, Ontario
I've spent 25 years doing two things I genuinely love — helping people buy and sell homes, and helping them finance those homes as smartly as possible.
Most people work with a real estate agent or a mortgage broker. You get both. And that combination makes a real difference — because the best home purchase means nothing if the financing isn't structured to work for you long term.
What drives me after 25 years is the same thing that drove me on day one: the moment a client walks into a home that feels right, or sits across the table from me and finally understands why their mortgage has felt like an uphill battle — and what we can do to change it. That moment never gets old.
I've always believed that technology should serve people — not replace them. I use every tool available to give my clients the sharpest market intelligence, the fastest processes, and the most informed decisions possible. But at the end of the day, buying or selling a home is one of the most personal decisions you'll ever make. And personal decisions deserve a personal touch.
Outside of work I'm passionate about health and fitness, cooking, travelling, reading, and constantly losing at chess — then working hard to get better. Most importantly, I'm a proud husband and father. Those two roles keep me grounded and remind me every day why the work I do matters.
If you're buying, selling, or thinking about financing in Ontario — I'd love to be part of that journey
What I stand for: Honesty · Integrity · Professionalism · Negotiation
Understanding your coverage helps you avoid costly surprises after closing.
Still have questions ? Howard R. is happy to walk you through your options and connect you with the right professionals.
Note: Coverage varies by provider and policy type. Always confirm the specifics of your policy.
Understanding the duration of your title insurance helps you stay protected when it matters most.
If you’re exploring distressed properties or foreclosure opportunities, understanding title risks is especially important.
Knowing how long each policy lasts helps protect you from unexpected issues. The lender’s policy safeguards the mortgage, while the owner’s policy protects your ownership for as long as you own the property. If a covered title issue arises, the policy pays legal fees and expenses to defend your title, providing long-term peace of mind.
Contact me today so I can help you understand your insurance options and prepare the right plan to protect your new home.
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